Product Manager - UK Cards

ABOUT LENDABLE

Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start:

• One of the UK’s newest unicorns with a team of just over 700 people

• Among the fastest-growing tech companies in the UK

• Profitable since 2017

• Backed by top investors including Balderton Capital and Goldman Sachs

• Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot https://uk.trustpilot.com/review/lendable.co.uk)

So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.

We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.

JOIN US IF YOU WANT TO

1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1

2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo

3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting

ABOUT THE ROLE

We’re looking for a Product Manager to help shape and grow the UK Cards product.

This is not a traditional PM role focused on roadmap management, stakeholder coordination or writing tickets. We are looking for someone who thinks like an owner and operates like a builder.

You should be someone who naturally questions how things work, challenges assumptions and looks for practical ways to improve the product.

You will work closely with engineering, operations, data, finance and commercial teams to identify problems, validate opportunities and drive execution across the Cards business. The role combines product thinking, experimentation, problem solving and AI tooling.

If you are excited by fintech, lending and building products in a fast moving environment, this role offers significant ownership and impact.

What you'll be doing

This role will cover a broad range of work across the UK Cards product.

1. Driving product and growth initiatives

You will identify opportunities to improve customer experience, engagement, conversion and business performance.

Examples include:

• Designing and running experiments across acquisition, onboarding, engagement and retention

• Improving customer journeys, product features and servicing experiences

• Using data and customer insights to prioritise product opportunities

• Defining MVPs and validating ideas before committing engineering resources

• Working closely with engineering teams to deliver high impact improvements

2. Building operational leverage and AI-enabled workflows

We want someone who actively looks for smarter and more scalable ways to work.

Examples include:

• Improving internal tooling and operational workflows

• Driving adoption of AI tools across the team (Claude, Cursor and other emerging tooling)

• Supporting development of AI-powered customer support and servicing

• Automating manual operational processes where possible

• Helping teams make faster and better decisions through better workflows

3. Owning cross functional problem solving

The role requires operating across product, operations, finance, capital markets and customer servicing.

Examples include:

• Identifying operational bottlenecks and driving improvements

• Coordinating complex initiatives across multiple teams

• Translating ambiguous business problems into impactful plans

• Balancing customer outcomes with commercial and operational constraints

A core part of the role is continuously challenging how things are done today and helping the organisation operate in simpler, faster and more effective ways.

Who this role is for

This role is designed for someone who wants significant ownership and enjoys solving hard problems in fast moving environments.

Typical profile

• 4+ years of experience in product, strategy, consulting, analytics or startup environments

• Experience owning products or growth initiatives

• Strong interest in fintech, lending and technology

• Comfortable working across both strategy and execution

• Curious about AI and how new tools can improve product development

• Interested in building and scaling products with real business impact

You should be someone who

• Thinks from first principles rather than accepting how things currently work

• Challenges assumptions and asks high quality questions

• Enjoys solving ambiguous and messy problems

• Uses data confidently to make decisions

• Moves quickly and tests ideas pragmatically

• Is highly ownership and execution focused

• Can operate independently with broad direction

• Communicates clearly across technical and non technical teams

• Is comfortable switching between product, operational and commercial contexts

Why this role is interesting

You will get exposure to:

• How consumer lending and credit cards work in practice

• Building and scaling one of the UK’s most successful fintech products

• Product-led growth and experimentation

• AI tooling and automation inside a real product organisation

• The operational and commercial side of running a fintech business

• Cross functional decision making across product, finance, operations and risk

You will work closely with senior members of the Cards team and have the opportunity to own meaningful, business critical initiatives with significant autonomy.

LIFE AT LENDABLE

• Winning team: the opportunity to scale up one of the world’s most successful fintech companies

• Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites

• Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls

• Health coverage: support for your physical and mental wellbeing, including private health cover

• Retirement & savings: long-term financial wellbeing through retirement savings plans

• Employee referral programme: earn a competitive bonus when you refer successful new team members

• Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations

• Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.

Check out our blog https://blog.lendable.co.uk/!